Insurance for Jaw surgery

Michlon

Hello. I'm looking for health insurance that would help with covering jaw surgery. Any recommendations or information would be appreciated. Thanks!

Fishorsealant

Do you already have health insurance?

Hillmanhunter1

If you have health insurance check the terms and give them a call to see if it is covered. If you think you should be covered, but the insurer is denying you coverage, then complain. This is how you complain:
https://www.centralbank.ie/contact-us/make-a-complaint

If you don't already have health insurance then buying a policy is not going to help. Insurance covers risks that might materialize, not risks that have already materialized. For example you can't get home insurance today to cover a burglary that took place yesterday.

Most health policies will exclude pre-existing conditions.

Michlon

Fishorsealant wrote: »

Do you already have health insurance?

I used to have insurance but not anymore.I'm looking into taking a new policy out.

Wesser

You can't just take out a policy as soon as you find out you need jaw surgery!!! That's not how it Works! Otherwise everyone would just take out insurance as soon as they find out there's something wrong with them.

zom

Are you a boxer or smoothing like that ?

Michlon

Wesser wrote: »

You can't just take out a policy as soon as you find out you need jaw surgery!!! That's not how it Works! Otherwise everyone would just take out insurance as soon as they find out there's something wrong with them.

So it wouldn't be covered in 5 years time as a pre-existing condition?

btkm8unsl0w5r4

Most dental conditions could be considered pre existing ( impacted teeth, the space of your jaws etc) so it doesnt really work like that. There is a lead in period that you would need to exceed. Look into it with a prospective insurer but in a general non specific way.

lawred2

Michlon wrote: »

I used to have insurance but not anymore.I'm looking into taking a new policy out.

Won't work like that I'm afraid. Existing conditions have something like a six year waiting period on most policies

Michlon

Skye Stocky Trachea wrote: »

Most dental conditions could be considered pre existing ( impacted teeth, the space of your jaws etc) so it doesnt really work like that. There is a lead in period that you would need to exceed. Look into it with a prospective insurer but in a general non specific way.

If it is diagnosed by a consultant after taking out insurance is it considered a pre-existing condition?Thanks!

coylemj

Michlon wrote: »

If it is diagnosed by a consultant after taking out insurance is it considered a pre-existing condition?Thanks!

If you're working your way through a waiting period, the insurance company will need the consultant to certify that the condition was not pre-existing before they give the green light for the surgery to happen under your cover. As poster Fitzgeme mentioned in post #8, that is unlikely to be the case for most dental conditions.

btkm8unsl0w5r4

Nobody ever had orthognathic surgery that was not a pre-existing condition. The consultant will be well versed in how to handle insurers let her/him deal with that. All you need to know is the lead in period for that proceedure code.

Hillmanhunter1

Otherwise, if the cost of the surgery is prohibitive, but you are employed or self-employed, think about approaching your local credit union. I suspect that is a better option in the near term.